# Affinity Bancshares Inc. (AFBI)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $145M  
**Price:** $22.51

> Affinity Bancshares Inc. operates as a regional bank holding company providing comprehensive financial services primarily in Georgia. The company offers a range of deposit products including checking accounts, savings accounts, certificates of deposit, and individual retirement accounts, alongside its Kasasa rewards program that provides interest rates or cash-back incentives. Affinity Bancshares supports both consumer and commercial lending through residential mortgages, commercial real estate loans, construction and land financing, and consumer loans. The company also manages investment portfolios comprising mortgage-backed securities, government-sponsored enterprise obligations, and Federal Home Loan Bank stock. As an additional service offering, Affinity Bancshares operates FitnessBank, a virtual banking platform that delivers higher interest rates to customers who meet specified fitness goals. Headquartered in Covington, Georgia, and founded in 1928, Affinity Bancshares serves individual consumers and businesses through its federally chartered savings bank subsidiary, positioning itself within the regional banking sector.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $51M | — | — | $8M | — |
| 2024 | $48M | — | — | $5M | — |
| 2023 | $43M | — | — | $6M | — |
| 2022 | $32M | — | — | $7M | — |
| 2021 | $32M | — | — | $8M | — |
| 2020 | $31M | — | — | $3M | — |
| 2019 | $15M | — | — | $355,000 | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $882M | $755M | $127M | $54M | — |
| 2024 | $867M | $738M | $129M | $41M | — |
| 2023 | $843M | $722M | $122M | $50M | — |
| 2022 | $791M | $674M | $117M | $26M | — |
| 2021 | $788M | $667M | $121M | $112M | — |
| 2020 | $851M | $770M | $81M | $178M | — |
| 2019 | $319M | $242M | $77M | $48M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $12M | $422,000 | $11M |
| 2024 | $7M | $422,000 | $6M |
| 2023 | $8M | $527,000 | $7M |
| 2022 | $8M | $1M | $6M |
| 2021 | $12M | $830,000 | $11M |
| 2020 | $1M | $451,000 | $920,000 |
| 2019 | $2M | $377,000 | $1M |

Source: [CompaniesByCap](https://companiesbycap.com/company/AFBI)